The Think Business Bank Performance Rating [BPR] is designed to be a simple yet credible measure of how stable a bank is. Our rating adopts 12 key stability indicators which essentially, are the standard measures used globally by rating agencies to rate banks. We have focused on the following key measures, which we have explained further below:
1. Asset Quality
2. Capital Adequacy
Assessment scores are assigned to each bank on each of the 12 parameters on the basis of grading benchmarked globally acknowledged optimal levels, industry averages or statutory CBK requirements, or all.
Depending on their individual scores, the banks have been graded as follows:
The grading for each bank in each of the parameters is summed up and averaged. This average becomes the overall rating of the bank for the year. Our overall rating of each bank and the industry follows the same scoring above.
We have adopted a double alphabetical rating style, with each rating referring to a specific year. For example, an AA rating implies a rating The grading for each bank in each of the parameters is summed up and averaged. This average becomes the overall rating of the bank for the year.. AA is the highest rating possible while FF is the lowest.